paylo.hk香港信用卡比較平台
Hong Kong credit card rankings · 3 cards · verified 2026-10-22

Premium Credit Cards

Cards requiring HK$240,000+ annual income, ranked by real reward value net of standard fees. Ranked #1 right now: HSBC Hong Kong HSBC EveryMile Credit Card (Income HK$240k). Every card shown passes a high-confidence verification and freshness gate — sources and check dates are published per card.

Computed from published rates, caps, standard fees and live offers; top rates usually carry merchant, registration or minimum-spend conditions — see each card page (中文) for the verified fine print.

  1. 1
    HSBC Hong KongHSBC EveryMile Credit CardHSBC EveryMile Credit Card 信用卡官方卡面
    HSBC Hong Kong
    HSBC EveryMile Credit Card
    Income HK$240kAnnual fee: HK$2,000 (waivable)
    Details
  2. 2
    Citibank Hong KongCiti Prestige CardCiti Prestige Card 信用卡官方卡面
    Citibank Hong Kong
    Citi Prestige Card
    Income HK$600kAnnual fee: HK$3,800
    Details
  3. 3
    DBS Hong KongDBS Black American Express CardDBS Black American Express Card 信用卡官方卡面
    DBS Hong Kong
    DBS Black American Express Card
    Income HK$240kAnnual fee: HK$3,600
    Details

Compare the leaders

HSBC EveryMile Credit Card vs Citi Prestige CardHSBC EveryMile Credit Card vs DBS Black American Express Card

FAQ

Which is the best premium credit cards in Hong Kong right now?
Based on verified issuer data, HSBC Hong Kong HSBC EveryMile Credit Card ranks #1 (Income HK$240k). The best card for you depends on your own spending — the ranking uses a reference profile with all monthly and pooled caps applied.
How is this ranking computed?
From published reward rates, monthly and pooled caps, standard annual fees and live welcome offers — a reproducible calculation over verified data. Sponsorship or commissions never affect the order.
How fresh is the data?
Offers are monitored daily and every card is re-checked on a risk-based schedule; cards that fall outside the freshness window are hidden rather than shown stale. Latest verification: 2026-10-22.
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paylo.hk is a Hong Kong credit-card comparison site with a fail-closed publication gate: cards we cannot verify to a high confidence against official issuer sources are hidden, not guessed. Card detail pages are in Cantonese; the numbers are universal. Not a bank; always confirm terms with the issuer.